At a Glance
- Tasks: Process and underwrite loan applications while optimising workflows for efficiency.
- Company: Join Lenkie, a dynamic fintech empowering small businesses in the UK.
- Benefits: Remote-first culture, competitive salary, and opportunities for professional growth.
- Other info: Contribute to building innovative credit operations in a fast-paced environment.
- Why this job: Be part of a high-performing team making a real impact on SMEs' success.
- Qualifications: 2-4 years of SME underwriting experience and a self-starter mentality.
The predicted salary is between 40000 - 48000 £ per year.
At Lenkie, we’re passionate about helping small businesses turn their big ambitions into reality. Through our innovative lending products and powerful cash flow management platform, we empower SMEs to succeed. We have supported hundreds of UK businesses with millions in funding. We are a high-performing, collaborative team headquartered in London with a remote-first culture. Backed by world-class investors, we recently closed a £4M equity and £45M debt Series A investment round. We are now entering a pivotal scaling phase and are looking for a sharp, execution-focused Credit Analyst to join our mission.
About the job
We are looking for a driven Credit Analyst / Underwriter who has cut their teeth at one of the UK’s SME fintech lenders. You have 2–4 years of experience and understand what a high-output, technology-driven underwriting process looks like at scale. At Lenkie, you won't just be a cog in a machine. While your primary focus will be the efficient processing and underwriting of loan applications, you will also be an early hire with "builder" DNA. You’ll help us refine our workflows, optimize our decisioning engines and scorecards.
Key Responsibilities
- Application Processing & Underwriting: Own the end-to-end credit evaluation process for SME applicants. Perform deep-dive financial analysis, assess creditworthiness, and deliver fast, accurate lending decisions.
- Workflow Optimization: Use your experience to identify bottlenecks in our current process. Proactively suggest and implement improvements to increase speed-to-decision without compromising risk.
- Early-Stage Building: As a core member of a lean team, you will help "write the playbook" for our credit operations, contributing to the evolution of our internal tools and risk frameworks.
- Portfolio Monitoring: Actively monitor the health of our existing SME exposures, identifying early warning signs and contributing to portfolio reporting.
- Cross-Functional Collaboration: Work daily with Sales and Product/Tech teams to ensure a seamless customer journey from application to drawdown.
- Data-Driven Feedback: Provide feedback to our data and engineering teams to help automate manual checks and enhance our proprietary risk models.
Qualifications / Required Skills
- Experience: 2–4 years of direct SME underwriting experience.
- Fintech Background: You have worked at a UK SME fintech lender and understand modern, data-driven credit assessment.
- Processing Power: You are comfortable handling a high volume of applications and making sound judgement calls in a fast-paced environment.
- Self-Starter Mentality: You thrive in an environment where not everything is defined yet. You see a problem and build a solution rather than waiting for a manual.
- Analytical Rigor: Strong ability to analyze P&L statements, balance sheets.
Credit Analyst / Underwriter London employer: Lenkie Inc.
At Lenkie, we pride ourselves on fostering a dynamic and inclusive work environment that champions innovation and collaboration. As a Credit Analyst / Underwriter in our London office, you will not only play a crucial role in shaping our lending processes but also benefit from our remote-first culture, competitive compensation, and opportunities for professional growth within a rapidly scaling fintech company. Join us to make a meaningful impact on the success of SMEs across the UK while being part of a supportive team backed by world-class investors.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst / Underwriter London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Lenkie Inc.. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Analyst / Underwriter London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Lenkie Inc..
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Lenkie Inc.'s website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Lenkie Inc.
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Lenkie Inc..
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Lenkie Inc. will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Lenkie Inc. employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
